1. What supporting documents does Chubb require when considering a claim?
In the case of medical expenses, the policyholder needs to submit the original receipt via EMS or registered mail to prevent documents going missing or getting lost. In the case of a daily benefit claim, the policyholder can submit photocopied documents via fax or email.
2. How long does Chubb take to make a claim payment?
Upon receipt of the completed claim documentation and subject to the policy conditions, the policyholder will get the payment check from us within 15 working days.
3. Why does Chubb need to ask for medical records?
In cases where the policyholder has held the policy with us for less than one year and was treated in hospital for any chronic disease/illness (e.g. DM, hypertension, heart disease, tumor, gallstones, etc.), we need to check if the policyholder has been treated with that chronic disease before the policy's effective date, as pre-existing conditions are excluded under the policy.
4. In the case of hospitalization under a social security scheme or Government Officer Privilege, is the policyholder still entitled to claim for daily benefits, and what documents do Chubb require in the absence of a medical receipt?
The policyholder is entitled to claim for daily benefits from Chubb by submitting the following documentation:
o A copy of the privilege guarantee document, e.g. social security card, Government Officer Card, letter of privilege, guarantee, etc.
o Medical Certificate stating details of sickness and number of hospitalization days.
5. In the event that the policyholder has made a medical expenses claim with another company and was partially reimbursed by that company, how can the policyholder claim the balance from Chubb?
The policyholder must ask that the company certify in the medical receipt the amount being paid, together with the company stand. The certified medical receipt is then sent to CHUBB for further consideration subject to the policy terms and conditions.
6. In the event that the policyholder was fully paid for the medical expenses incurred by another company, will the policyholder still be entitled to make a claim with Chubb?
Unfortunately, the policyholder is only entitled to the indemnity that he or she has already received.
7. In the event of a death claim, will the beneficiary get the indemnity from every policy if they hold more than one insurance policy?
If the cause of death is covered under the policy, the beneficiary is entitled to the indemnity from every policy.
8. What is Chubb's method of claim payment?
We will issue and send a settlement check (via registered mail) to the policyholder, using the address as stated on the claim form.
9. What must the policyholder do upon receipt of the indemnity check?
The policyholder will be required to sign and return the first part of the Indemnity Receipt Form to Chubb by using the enclosed business envelope, keeping the second part as evidence of payment. The policyholder should deposit the indemnity check in his or her bank account with any commercial bank in Thailand.
10. Can Chubb make the payment by electronic fund transfer to the policyholder's bank account in order to decrease the clearing expenses of 50 baht that the policyholder must normally bear?
Because we recognize the importance of quality service to our policyholders, we can consider such requests on a case-by-case basis.